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German Sparkassenstiftung for International Cooperation (DSIK) Tanzania Jobs 2024
Consultancy Services to Design a Delivery Channels Management Architecture
German
Sparkassenstiftung Eastern Africa (DSIK) is a German-based NGO
headquartered in Bonn, Germany. DSIK aims to reduce poverty through
sustainable financial inclusion by partnering with local organizations
to conduct various projects. These projects focus on professionalizing
and digitalizing the microfinance and SACCOS sectors, increasing
financial literacy, capacity development, and institutional
strengthening.
In Tanzania, DSIK is providing advisory services
to the Savings and Credit Cooperative Union League of Tanzania (SCCULT).
Project activities in Eastern Africa are not limited to Tanzania, but
also include Burundi, Kenya, Rwanda, and Uganda. In Tanzania, DSIK is a
registered International Non-Governmental Organization under The
Non-Governmental Organization Act, 2002 made under Section 11 (1) and 17
(2) of Act No. 24 in 2002 with Registration No. I-NGO/R1/005. Within
this initiative, DSIK is set to collaborate closely with SCCULT, the
umbrella organization for SACCOS in Tanzania mainland. Established in
1992 under the Cooperative Act 15, SCCULT is dedicated to empowering and
advancing SACCOS through advocacy, financial assistance, and technical
support. SCCULT (1992) Ltd is licensed under the Microfinance Act of
2018, holding license number MSP3-TCDC/2021/00374 issued in 2021.
2.0 PROJECT BACKGROUND
In
2022, the Savings and Credit Cooperative Union League of Tanzania
(SCCULT) set out to design, develop, and implement a Shared Core SACCOS
System. This initiative aimed to address the low adoption rate of
information and communication technologies (ICT) within the SACCOS
sector. According to the 2022 SACCOS annual report1, only 10.13% of
SACCOS were utilizing ICT systems. This slow adoption was primarily due
to the lack of reliable system vendors and the high costs associated
with available systems, making them unaffordable for SACCOS.
Within
this initiative, SCCULT aimed to introduce a Core SACCOS System (CSS)
that would serve as a shared service for all SACCOS. As the umbrella
organization for SACCOS, SCCULT was acutely aware of the digitalization
challenges faced by the sector. The Shared Core SACCOS System was
envisioned as a solution to these issues, facilitating collaborative
resource pool accessible to all SCCULT members. This approach was
intended to minimize resource expenditure by lowering fees, ensuring
seamless execution of essential tasks, and promoting optimal compliance,
efficiency, and cost-effectiveness within the sector.
Through a
collaborative partnership involving SCCULT as the business owner, UBX as
the system developers, Umoja Switch as a digital payment service
provider, and DSIK as project advisors, the successful development and
initial deployment of the Shared Core SACCOS System have been achieved.
Currently, the project is progressing with the onboarding of SACCOS.
The
next phase, and hence the specific objective of this assignment, is the
integration with alternative delivery channels, specifically mobile
banking services and ATM services.
3.0 OBJECTIVES
The objective of this assignment is to design a comprehensive and secure Delivery Channels Management architecture
.
Special attention must be given to the unique architecture required,
enabling efficient clearing, reconciliation and settlement of
transactions initiated by SACCOS members, routed through SCCULT, a
Sponsoring Bank, and ultimately to the Bank of Tanzania (BOT) as needed.
As such, the roles, responsibilities and requirements of these actors
should be clearly defined as well.
4.0 SCOPE OF WORK
This
assignment entails designing a comprehensive and secure Delivery
Channels Management architecture for integrating alternative delivery
channels (Mobile Bank, ATM and Agency Banking) with SCCULT Core SACCOS
System.
The scope of this assignment shall therefore include:
(i) Needs Assessment. Conducting
a thorough assessment of the current state to identify the specific
requirements for Delivery Channels Management. This assessment should
consider the needs and requirements of all actors involved including
SACCOS members, SACCOS, SCCULT, Sponsoring Bank, MNOs and the Bank of
Tanzania (BOT).
(ii) System architecture design. Designing
a detailed Delivery Channels Management architecture. Special attention
must be given to the unique architecture required. SCCULT owns the CSS,
which serves as a shared service for multiple SACCOS and is a member of
the Umoja Switch Network. As such, initiated transactions, from
multiple SACCOS, should be routed through SCCULT, a Sponsoring Bank, and
ultimately the Bank of Tanzania (BOT) as needed. Therefore, the roles
and responsibilities of these actors should be clearly defined. Further,
the architecture must ensure real-time processing, availability,
scalability, security and compliance with regulatory authorities.
(iii) Float Management.
a.
Develop comprehensive float management strategies to ensure the
efficient handling and optimization of funds in transit within the
multi-layered CSS system. These strategies should take into
consideration various settlement procedures for the different use cases
and that SACCOS will prefund the settlement accounts via SCCULT who will
manage the float for all.
b. Evaluate and forecast cash flow needs within the system.
c. Provide strategies for managing liquidity to ensure funds are available as needed without holding excess idle cash.
d. Implement systems for continuous monitoring of transactions and reporting on float management performance.
e. Recommend the required settlement reports, considering the roles and requirements of the various actors involved.
(iv) System integration. Provide a detailed plan for integrating the alternative delivery channels.
(v) Communication protocols. Specify
secure communication protocols, encryption, authentication and
authorization mechanisms to ensure data integrity and confidentiality
during data transmission within the designed architecture.
(vi) Compliance and security.
Ensure the designed architecture complies with relevant financial and
ICT regulations and standards, specifying these regulations and
standards explicitly.
(vii) Testing and validation. Develop a comprehensive testing strategy to validate the functionality, security and performance of the proposed architecture.
(viii) Documentation and Training.
Prepare detailed technical documentation for the designed architecture.
Ensure knowledge transfer to the technical team by closely involving
its members in the design process
5.0 KEY DELIVERABLES
The expected deliverables include:
(i)
Inception Report: This will include the overall approach and
methodology to be applied in the assignment, and the time frame for
different activities. The report should be provided not later than 3
days after signing the contract.
(ii) Delivery Channels Management
Requirements: A detailed assessment of Delivery Channels Management
requirements. The Delivery Channels Management Requirements document
should be provided within one week of completing the
requirement-gathering exercise.
(iii) Design Document: A
comprehensive design document outlining the proposed architecture,
including key system diagrams. Communication protocol specifications.
Compliance and security measures implemented.
(iv) Float Management Strategy Document. A document outlining the proposed float management strategies.
(v) Integration Plan: A detailed plan for integrating alternative delivery channels.
(vi) Testing Strategy: A comprehensive strategy for testing and validation.
(vii)
Assignment Full Report: The full report shall provide an overview of
all the tasks undertaken within this assignment, results achieved and
recommendations.
The assignment duration is expected to be no
more than four weeks. Deliverables can be submitted throughout this
period. All deliverables must be submitted withing 7 days following the
completion of the assignment. Refer to reporting guidelines in the
annex.
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6.0 QUALIFICATION AND EXPERIENCE OF THE CONSULTANT
The
Consultant should have at least a bachelor’s degree in a discipline
relevant to Information and Communication Technologies (ICT),
Information Technology (IT), Digital Finance, Finance and Financial
Technology (FinTech), or other relevant discipline. Candidates with
bachelor’s degrees, possessing adequate experience in payment systems
design will also be considered.
The consultant should have relevant qualifications and working experience, particularly:
(i)
At least 8 years of working experience in Information and communication
technologies (ICT), Information Technology (IT), Digital Finance,
Finance and Financial Technology, Banking, Microfinance or related
field.
(ii) Proven experience in designing and implementing financial transaction processing systems.
(iii) Strong knowledge of banking systems, payment systems, clearing and settlement
systems.
(iv) A comprehensive knowledge of the regulations, policy updates, and circulars within the financial and ICT sector.
(v)
Proven experience in planning and executing system integrations,
particularly with alternative delivery channels such as Agency Banking.
Mobile Banking services and ATM services.
(vi) Proficiency in project management, technical writing, capacity building, facilitation, and project implementation.
(vii) Experience in communicating effectively with a diverse team of partners.
(viii) High ability in producing concise and analytical reports.
6. MODE OF APPLICATION/BIDDING REQUIREMENTS:
Interested
consultants should submit both Technical and Financial Proposals for
this assignment. A technical proposal detailing their approach to the
assignment, methodology, and work plan. Financial Proposals should
provide, among other things, a breakdown of costs, and the bidders
should be VAT registered (if it is a firm) and must be able to provide
Electronic Fiscal Device Receipts (EFDs). The proposals should be
accompanied by the Company Profile (for firms), CVs of the responsible
team, Address (PO Box), Phone Number, Email Address, Physical Address,
and list of both the previous and current Corporate Customers.
The proposals should be submitted to the following e-mail by 01st December 2024: Office.Tanzania@dsik.org
Please be informed that candidates who will not hear responses by 06th December 2024 should consider themselves unsuccessful.
For any enquiry you may contact: Ms. Kalunde Kapaliswa via Tel: +255 766 0202 84 or E-Mail: Kalunde.Kapaliswa@dsik.org
💥NOTE: For full details and Annex I and II, please download official PDF file below….
DOWNLOAD ADVERT IN PDF FILE HERE!
